Supplementary pension coverage in Britain
Supplementary pension coverage in Britain
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英国的补充养老金保险
DOI：
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发表时间：
1998
期刊：
影响因子：
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通讯作者：
A. Barrientos
中科院分区：
文献类型：
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作者：
A. Barrientos
1986年的社会保障法对英国的补充养老金环境进行了深远的改革，鼓励了固定缴款养老金计划的发展，特别是个人养老金。本文采用1993-94年家庭资源调查的横截面数据，研究了该法案实施五年后英国雇员补充养老金覆盖范围的模式。在英国，三分之二的雇员都有私人承包的养老金计划。雇主提供的固定福利养恤金计划仍然是补充养恤金计划的主要类型。个人养恤金计划的增长在较小企业的体力劳动者、低技能工人中更为显著。该文件的结论是，在没有进一步的养老金改革的情况下，不利的劳动力市场条件将对私人养老金覆盖面造成下行压力。
The 1986 Social Security Act introduced far-reaching changes to the supplementary pension environment in Britain, encouraging the growth of defined contribution pension plans and especially personal pensions. This paper examines the pattern of supplementary pension coverage of employees in Britain five years after the implementation of the Act, using cross-sectional data from the Family Resources Survey 1993-94. Two-thirds of employees in Britain are covered by private contracted-out pension schemes. Employer-provided defined benefit pension schemes remain the dominant type of supplementary pension scheme. The growth of personal pension plans is more marked among manual, less-skilled, workers in smaller establishments. The paper concludes that, in the absence of further pension reform, adverse labour market conditions will exert downward pressure on private pension coverage.